2. Outline the specific areas of service, which have not met with your satisfaction. Detail in your letter, as simply as possible, all the facts relating to your complaint and how youbelieve we can investigate and resolve this matter to your satisfaction.

3. Infocus will investigate your complaint and will make every effort to ensure you receive a fair and prompt reply. Infocus will endeavour to resolve your complaint within 30 businessdays. We will keep you informed of what is happening to your complaint if this investigation cannot be resolved within this time.

4. If you still do not get a satisfactory outcome, you have the right to take the complaint to the Financial Ombudsman Service (FOS).

Infocus is a member of the external complaints resolution scheme operated by FOS. FOS provides free advice and assistance to customers not satisfied with the responses provided by membercompanies to their complaints. FOS may undertake an independent external investigation of Horsfield & Associates complaint or enquiry. Member companies like Infocus are bound by any decisions made by FOS. You can write to the Financial Ombudsman Service, GPO Box 3, Melbourne VIC 3001 or telephone toll free 1800 367 287.